Carmela Hermesh, Head of Enterprise Risk Management (ERM) Division
Carmela has experience of 30 years in Bank Leumi (an International bank, one of the two largest banks in Israel). Last 10 years Carmela served as Operational Risk manager, responsible for developing and establishing the Framework of Operational Risk Management – defining of the framework, methodological aspects, gap analysis to the regulatory directives, policy and procedures, capital calculations, training and assimilation. This included connections with the regulator. Carmela has also experience in developing systems for management of branches and customers (credit scoring, customer profitability).
Carmela has developed and lectured an Operational Risk Management course at the Haifa University, as part of the Graduate School of Management. She gave presentations on risk management and banking at conferences, both in Israel and abroad.
Carmela has a Master’s degree in Statistics (MA) from Tel Aviv University, and graduated Information Systems Analysis course.